The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,722
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,491
−HK$781/mo
Today · 4.125%
HK$26,272
baseline
▲ 0.50% · 4.625%
HK$27,870
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,544/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,503
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,240
−HK$748/mo
Today · 4.125%
HK$28,988
baseline
▲ 0.50% · 4.625%
HK$30,516
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,976/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,666
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,589
−HK$937/mo
Today · 4.125%
HK$31,526
baseline
▲ 0.50% · 4.625%
HK$33,445
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$63,052/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,003
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,888
−HK$898/mo
Today · 4.125%
HK$34,786
baseline
▲ 0.50% · 4.625%
HK$36,620
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$69,572/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,610
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,687
−HK$1,094/mo
Today · 4.125%
HK$36,781
baseline
▲ 0.50% · 4.625%
HK$39,019
+HK$2,238/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,562/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,504
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,536
−HK$1,048/mo
Today · 4.125%
HK$40,584
baseline
▲ 0.50% · 4.625%
HK$42,723
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,168/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,499
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,883
−HK$1,406/mo
Today · 4.125%
HK$47,289
baseline
▲ 0.50% · 4.625%
HK$50,167
+HK$2,878/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,578/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,505
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,832
−HK$1,347/mo
Today · 4.125%
HK$52,179
baseline
▲ 0.50% · 4.625%
HK$54,930
+HK$2,751/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,358/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,561 · Scale 2, in force from 26 Feb 2026)